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Love perpay. I've gotten 2 ps5's, a desktop PC, meta quest 3, a TV and more. No hidden interest or guessing game. Improve your credit while getting things you love, per pay.
If I had to come up with a complaint, I could come up with 2. It would be limit increment increases. My credit limit is $2130. What's up with the odd numbers or like $160 increases. Make it $2200 it $2100.
2nd - lack of real explanation of the credit card. They want me to pay $200 a month on a credit card I wouldn't use often. If I just don't use it where does my $200 go. Am I required to spend at least $200 a month so my $200 pays it? I don't get it. Articles are very vague besides I pay them per pay.
Unique buying experience designed for those trying to rebuild or build credit. You set up direct deposit and the payment gets taken right out of your check. Yes there is a markup on products but that is due to how the program works. A $500 PlayStation 5 is around $1,000. At Rent-A-Center or Aaron's with interest the PlayStation 5 ends up being around $2,500. At Perpay everything is upfront. You see what you are paying and what you will owe per paycheck. I have gotten a computer, printer, and a PS5. I would recommend it to anyone trying to build or rebuild credit. It took a while before they started but they do report to the credit bureaus which has boosted my score a lot. (Until I ordered the ps5 and my usage was high) lol
Tip for consumers:
Credit reporting does not start immediately. Ultimately this is a good thing. My $800 order was down to $200 or so before reporting started. Having that available credit really boosted my score. If they started when I owed $800 my score probably would have dropped.
Products used:
Computer, printer, PlayStation 5
Eric D.'s review of Perpay Inc. earned a Very Helpful vote
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Thanks for the awesome review, kiaaa123! We're so happy to hear you're loving your Perpay experience, and can't wait to keep working with you.
We're always here if you ever need assistance. Feel free to reach out to our Support team at hello@perpay.com if any questions come up!